Travel Insurance for Schengen Visa

Planning a trip to Europe’s Schengen Area? Don’t forget travel insurance! It’s not just a recommended add-on; it’s mandatory for your Schengen visa application. This blog will guide you through everything you need to know about travel insurance for your Schengen visa.

What is Schengen Visa Travel Insurance?

Schengen Visa travel insurance is a mandatory requirement for individuals traveling to Schengen countries. It provides coverage for medical emergencies, trip cancellation, baggage loss, and other unforeseen circumstances that may arise during your journey.

Key Features of Schengen Visa Travel Insurance:

  • Medical Coverage: Ensures coverage for medical expenses, including hospitalization, emergency medical evacuation, and repatriation of remains.

  • Trip Cancellation: Offers reimbursement for non-refundable trip expenses in case of trip cancellation or interruption due to covered reasons.

  • Baggage Loss: Provides compensation for lost, stolen, or damaged baggage during your trip.

  • Emergency Assistance: Offers 24/7 assistance services for emergencies such as medical referrals, legal assistance, and emergency cash advances.

Why is Travel Insurance Mandatory?

Schengen countries require visitors to have travel insurance with a minimum coverage of ‚ā¨30,000 (approx. ‚āĻ27,04,380 as of February 2024) for medical emergencies. This ensures you won’t be a financial burden on the healthcare system if something unexpected happens during your trip.

What Does Travel Insurance Cover?

While medical coverage is essential, a good Schengen travel insurance plan goes beyond that. Here’s what you can expect:

  • Medical Expenses:¬†Covers hospitalization costs, doctor consultations, medications, and other medical needs arising from an accident or illness.
  • Medical Repatriation:¬†Pays for emergency transport back to your home country for medical treatment.
  • Travel Delays and Cancellations:¬†Reimburses you for non-refundable trip expenses if your flight is cancelled or delayed due to unforeseen circumstances.
  • Lost or Delayed Baggage:¬†Compensates you for lost or delayed checked baggage.
  • Personal Liability:¬†Covers you if you accidentally cause damage to property or injure someone during your trip.
  • Trip Interruption:¬†Provides reimbursement if you have to cut your trip short due to a covered reason.

Schengen Visa Insurance Requirements

Minimum Coverage Limits:

  • Medical Expenses: ‚ā¨30,000 or equivalent in USD.
  • Repatriation of Remains: Full cost coverage.
  • Emergency Medical Evacuation: Full cost coverage.
  • Validity Period: Must be valid for the entire duration of stay in the Schengen Area.

Obtaining Schengen Visa Travel Insurance

Schengen Visa travel insurance can be purchased from various insurance companies, travel agencies, or online platforms specializing in international travel insurance. It’s essential to ensure that the selected policy meets the requirements set by the Schengen consulate or embassy where you’re applying for the visa.

Documents Required

  • Proof of Insurance: Provide a copy of the insurance policy or certificate indicating coverage details.
  • Policy Validation: Ensure that the policy meets the minimum coverage requirements specified by the Schengen authorities.
  • Policy Duration: Verify that the policy is valid for the entire duration of your intended stay in the Schengen Area.

Choosing the Right Travel Insurance Policy

With various travel insurance providers offering Schengen visa plans, here’s what to consider when choosing one:

  • Coverage Amount:¬†Ensure the minimum coverage is ‚ā¨30,000, but consider opting for a higher amount for greater peace of mind.
  • Type of Trip:¬†Choose a plan that caters to your specific needs. Are you an adventure traveler or a senior citizen? Different plans offer varying coverage for activities and age groups.
  • Deductible:¬†This is the amount you pay before the insurance kicks in. A higher deductible generally means a lower premium.
  • Exclusions:¬†Read the policy document carefully to understand what’s not covered. Pre-existing medical conditions often have exclusions.

Tips for Getting Travel Insurance

  • Compare Quotes:¬†Don’t settle for the first plan you come across. Get quotes from multiple insurers to compare coverage and price.
  • Read the Fine Print:¬†Understand the terms and conditions, exclusions, and claim process before purchasing the policy.
  • Buy Early:¬†Purchase your travel insurance as soon as you book your trip to ensure coverage from the start.


In conclusion, securing travel insurance for your Schengen Visa application is not only a mandatory requirement but also a wise investment in your safety and well-being while traveling abroad. By choosing a comprehensive insurance policy that meets the Schengen authorities’ requirements and your specific travel needs, you can embark on your journey with confidence and peace of mind.

FAQs on Travel Insurance for Schengen Visa

1. Is travel insurance mandatory for a Schengen visa?
Ans. Yes, travel insurance with a minimum coverage of ‚ā¨30,000 for medical expenses is mandatory to apply for a Schengen visa.

2. What kind of medical expenses does travel insurance cover?
Ans. It typically covers hospitalization costs, doctor consultations, medications, and other medical needs arising from an accident or illness during your trip.

3. Does travel insurance cover COVID-19?
Ans. This depends on the specific plan. Look for a policy that explicitly mentions COVID-19 coverage, including medical expenses and quarantine costs if you contract the virus while traveling.

4. What else does travel insurance cover besides medical expenses?
Ans. Many plans offer additional coverage for trip delays and cancellations, lost or delayed baggage, personal liability, and trip interruption due to unforeseen circumstances.

5. How much does travel insurance for a Schengen visa cost?
Ans. The cost depends on factors like the duration of your trip, your age, the coverage amount, and the deductible. Generally, expect to pay more for higher coverage and lower deductibles.

6. Where can I buy travel insurance for a Schengen visa?
Ans. Many travel insurance companies offer Schengen-compliant plans. You can compare and purchase them online or through a travel agent.

7. What documents do I need for a visa application?
Ans. Your travel insurance policy document with clear details like coverage amount, validity period, and Schengen zone coverage is required for your visa application.

8. Can I get a family travel insurance plan for a Schengen visa?
Ans. Yes, many insurers offer family plans that cover multiple travelers on a single policy, often at a discounted rate.

9. What happens if I make a claim on my travel insurance during my trip?
Ans. Contact your insurance provider’s emergency assistance hotline immediately. They will guide you through the claims process and help access necessary medical care.

10. Do I need travel insurance if I already have health insurance?
Ans. While your domestic health insurance might offer some coverage abroad, it’s unlikely to meet the requirements for a Schengen visa and may not be comprehensive enough for travel emergencies.